Today we’re talking about your money and the best way to manage it in the new year. A recent survey from Bankrate found about two-thirds of American adults are not expecting their personal finances to improve this year. But that doesn’t have to be the case. We’re joined today by financial coach and host of the “Hard Money Talks” podcast, Lauren Greutman. She’s been featured on the Today show, Consumer Reports, and more. Lauren is sharing her advice on everything you need to know for the new year: how to set a yearly budget, easy tips for getting an emergency fund started, paying debt, how to get started with investing, and so much more.  This episode is brought to you by kiwico.com (Listen for the discount code) and Masterworks.Art/newsworthy Get ad-free episodes and support the show by becoming an INSIDER: www.theNewsWorthy.com/insider